Muthoot Microfin (MUTHOOTMF) had a P/E of 8.0× on 6 Nov 2026, and the shares are 41% below their 52-week high. Net profit grew 1.3% a year over 3 years; its ROE of 6.2% is the lowest among the 7 largest Credit Services peers. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 0.90× book value. It is a small-cap company with a market cap of ₹2,582 Cr, ranked 37th of 193 Credit Services companies by market cap; the shares fell 6.2% over the past year.
- ₹160.00
- ₹163.51
- ₹150.42
- ₹157.89
- 13.6 L
Health check
- ReturnsIn line
−6.2% over a year, better than 3 of 7 peers.
- Price tagCheaper
P/B 0.90 vs peer median 2.62.
- GrowthSlow
Profit +1.3% a year over 3 years.
- ProfitabilityWeak
ROE 6.2% vs peer median 18.7%.
- Balance sheetn/a
Asset quality (bad loans) isn’t in our data.
- Red flags2 to check
Return on equity is low at 6.2%.
Small cap
Moves with the market
Key metrics
- Market cap
- ₹2,582 Cr
- Small cap
- P/E
- 8.0
- Industry 15.9
- Price to book
- 0.90
- Peers 2.62
- Dividend yield
- 0.00%
- ROE
- 6.2%
- Peers 18.7%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹19.31
- Face value ₹10
- OPM (TTM)
- 24.4%
- Net margin 21.0%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- +1215.3%
- Latest quarter vs a year ago
- Price to sales
- 2.20
Strengths and risks
Strengths
- Quarterly profit up 1215.3% on a year ago.
Risks to check
- Return on equity is low at 6.2%.
- 41% below its 52-week high.
About Muthoot Microfin
Muthoot Microfin Limited, a non-deposit taking non-banking financial company, provides micro loans to women entrepreneurs in rural regions of India. The company offers income generating, Pragathi, Suvidha, and individual loans; education, mobile phones, solar lighting product, and household appliances product loans; sanitation improvement loans; and secured loans. It also provides value-added services, such as wellness combo and property insurance. The…
- Headquarters
- Kochi
- Employees
- 15,639
- Sector
- Financial Services
- ISIN
- INE046W01019
- Website
- muthootmicrofin.com
Price range
- Avg volume (3M)
- 3.8 L
- 1-year return
- minus 6.2%
- From 52-week high
- minus 41.4%
Peers · Credit Services
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCEBajaj Finance | 1,087.75 | plus 1.66% | 6,77,005 | 31.3 | 5.49 | 19.0% | 3.8% | 18.2% | 0.50% | plus 1.2% |
| SHRIRAMFINShriram Finance | 961.15 | minus 0.30% | 2,26,167 | 16.0 | 2.03 | 14.8% | 3.9% | 18.6% | 1.79% | plus 21.0% |
| CHOLAFINCholamandalam Investment and Finance Company | 1,785.00 | plus 1.42% | 1,53,103 | 24.5 | 4.41 | 20.6% | 2.6% | 25.2% | 0.11% | plus 0.8% |
| TATACAPTata Capital | 358.05 | plus 2.93% | 1,50,979 | 25.4 | 3.10 | 14.1% | 2.2% | – | 0.16% | plus 5.6% |
| MUTHOOTFINMuthoot Finance | 2,869.00 | plus 1.06% | 1,15,181 | 9.4 | 2.62 | 31.6% | 6.3% | 43.1% | 1.06% | minus 11.0% |
| PFCPower Finance Corporation | 328.80 | minus 0.18% | 1,08,507 | 4.1 | 0.74 | 18.7% | 2.7% | 17.7% | 4.98% | minus 16.9% |
| IRFCIndian Railway Finance Corporation | 80.43 | plus 0.37% | 1,05,110 | 14.3 | 1.73 | 12.6% | 1.4% | 4.4% | 2.75% | minus 34.4% |
| MUTHOOTMFMuthoot Microfin | 153.92 | minus 2.51% | 2,582 | 8.0 | 0.90 | 6.2% | – | 1.3% | 0.00% | minus 6.2% |
| Median of 7 peers | – | 1.06% | 1,50,979 | 16.0 | 2.62 | 18.7% | 2.7% | 18.4% | 1.06% | 0.8% |
Quarterly results
| ₹ Cr | Mar 25 | Jun 25 | Dec 25 | Mar 26 | Jun 26 |
|---|---|---|---|---|---|
| 544 | 530 | 543 | 604 | 606 | |
| – | – | – | +11.1% | +14.3% | |
| 415 | 410 | 420 | 435 | 461 | |
| 129 | 120 | 123 | 169 | 144 | |
| 23.8% | 22.7% | 22.7% | 27.9% | 23.8% | |
| 1.2 | 0.4 | 2.5 | 7.1 | 2 | |
| 11.2 | 11 | 10.4 | 10.7 | 10.9 | |
| −641 | −104 | −45.9 | −68.3 | −29 | |
| −522 | 5.8 | 69.1 | 96.9 | 107 | |
| 23.1% | −7.3% | 9.6% | 26.6% | 23.7% | |
| −401 | 6.2 | 62.4 | 71.1 | 81.3 | |
| -23.54 | 0.36 | 3.66 | 4.24 | 4.83 |
Profit & loss
- Profit CAGR 3Y
- +1.3%
- EPS CAGR 3Y
- +1.8%
- ROE
- 6.2%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 1,291 | 1,984 | 2,430 | 2,206 | |
| – | +53.7% | +22.5% | minus 9.2% | |
| 1,006 | 1,465 | 2,260 | 1,935 | |
| 285 | 519 | 170 | 270 | |
| 22.1% | 26.2% | 7.0% | 12.3% | |
| 21.1 | 37 | 40.6 | 204 | |
| 12.9 | 16 | 18.6 | 18.3 | |
| 26.6 | 35.4 | 42.8 | 43.1 | |
| −53.7 | 77.1 | −439 | −204 | |
| 213 | 582 | −289 | 209 | |
| 23.0% | 22.7% | 23.0% | 18.5% | |
| 164 | 450 | −223 | 170 | |
| – | +174.3% | minus 149.5% | – | |
| 9.61 | 30.25 | -13.29 | 10.15 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 140 | 167 | 168 | 168 | |
| 1,486 | 2,637 | 2,465 | 2,687 | |
| 6,623 | 8,589 | 8,101 | 9,707 | |
| 280 | 197 | 123 | 123 | |
| 8,529 | 11,590 | 10,857 | 12,685 | |
| 154 | 192 | 222 | 199 | |
| 298 | 294 | 486 | 587 | |
| 920 | 1,492 | 1,144 | 1,154 | |
| 7,158 | 9,612 | 9,005 | 10,745 | |
| 8,529 | 11,590 | 10,857 | 12,685 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| −2,333 | −1,272 | 1,382 | −580 | |
| −180 | −225 | −128 | −41.4 | |
| 2,567 | 1,671 | −1,485 | 626 | |
| 53.6 | 174 | −230 | 3.9 | |
| −28.2 | −27.6 | −20.8 | −10.9 | |
| −2,361 | −1,299 | 1,361 | −591 |
Shareholding pattern
NSE hasn’t returned a shareholding pattern for this company. Institutions hold about 7.9% (Yahoo estimate).
Major shareholders
Filings & events
News
No recent news coverage found.